Summary Verdict
UPWK: 3—ACIW: 2wins
Rule of 40
33.2UPWK
28.0ACIW
check_circleUPWK leads
Revenue Growth
2.4%UPWK
10.4%ACIW
check_circleACIW leads
Gross Margin
78%UPWK
49%ACIW
check_circleUPWK leads
FCF Margin
30.8%UPWK
17.6%ACIW
check_circleUPWK leads
Operating Margin
16.4%UPWK
18.8%ACIW
check_circleACIW leads
NRR
—UPWK
—ACIW
Metric
Rule of 40Efficiency score
UPWK
33.2check_circle
ACIW
28.0
Revenue GrowthYoY
UPWK
2.4%
ACIW
10.4%check_circle
Gross Margin% of revenue
UPWK
78%check_circle
ACIW
49%
FCF MarginFree cash flow
UPWK
30.8%check_circle
ACIW
17.6%
Operating MarginGAAP
UPWK
16.4%
ACIW
18.8%check_circle
NRRNet retention
UPWK
N/A
ACIW
N/A
EV / RevenueValuation multiple
UPWK
N/A
ACIW
N/A
Market CapUSD
UPWK
N/A
ACIW
N/A
ARR GrowthYoY
UPWK
N/A
ACIW
N/A
CAC PaybackMonths to recover
UPWK
N/A
ACIW
N/A
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insights
Analysis
As of Q4 2025, UPWORK, INC trades at N/A EV/Revenue versus ACI WORLDWIDE, INC. at N/A. On the Rule of 40, UPWORK, INC scores 33.2 compared to ACI WORLDWIDE, INC.'s 28.0, placing UPWORK, INC ahead in operating efficiency. Gross margins stand at UPWORK, INC 78% vs ACI WORLDWIDE, INC. 49%.
Sector Context
Both companies operate in the Vertical SaaS sector. The median columns above show where each company stands relative to their peers.